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I played around with the app a bit, but its not the most user friendly app, and you need to create an account in order to associate a payment method to the app. I just got back from Munich, and found the ticket machines very easy to use. They're touch screen, multi-language and will take cash. Not sure if American magnetic strip payment cards will work or not, but we always hit the ATM for cash and paid that way. Those machines get high marks from me for ease of use and were conveniently located, too.